Updated October 18, 2026 · DebitCue Editorial Team

Top credit cards compared in China

489 cards available in China, ranked for China.

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Top credit cards compared in China
#	Card	Score	Key facts	Actions
1	AirwallexTop pick	9.0/10	Currency conversion fee: 0.5% Legal entity: Airwallex (Singapore) Pte. Ltd. Headquarters: Singapore	Review Compare Visit
2	Binance Card	8.8/10	Currency conversion fee: 1% to 2% Legal entity: Binance Holdings Ltd. Founded: 2017	Review Compare Visit
3	Union Pay International	9.6/10	Currency conversion fee: 0% Rewards type: Points Perks: Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, and 1 more	Review Compare See alternatives
4	Alior Bank	9.5/10	Support channels: Email, Chat, Phone, and 1 more	Review Compare See alternatives
5	Bank of Valletta	9.5/10	Legal entity: Bank of Valletta p.l.c. Headquarters: Malta Founded: 1974	Review Compare See alternatives
6	Airtm	9.4/10	Legal entity: Airtm Inc. Support channels: Chat, Email, Help-centre	Review Compare See alternatives
7	Navan Navan Expense free for the first 5 monthly expensing users on Navan Business: Free for the first 5 users, then $15 per user per month	9.4/10	Annual fee: $0 Rewards type: Points Rewards rate: A percentage of Eligible Savings on reward-eligible bookings, percentage determined by Search Rank	Review Compare See alternatives
8	Cashably	9.4/10	Annual fee: $0 APR: 0% Currency conversion fee: 3%	Review Compare See alternatives
9	National Bank of Kuwait Cards Travel at Ease With 25% Cashback: 25% cashback	9.3/10	Annual fee: KWD 30 APR: 12% Currency conversion fee: 3% to 5%	Review Compare See alternatives
10	Bigbank	9.2/10	Card kind: Credit Legal entity: Bigbank AS Headquarters: Estonia	Review Compare See alternatives

Airwallex

Top pick for China

9.0/10Visit